Live for today. Plan for Tomorrow.

Please enjoy these helpful primers, explainers, and up-to-date articles. They cover all aspects of your financial life.


What types of life insurance are there? How much life insurance is right for you? How much does it cost? We’re here to help you figure it out.


Most Canadians have some type of life insurance, but most Canadians are either under-insured, inappropriately insured or do not understand how their life insurance works.


2022 Financial Tips

7 quick actions you can take this month to improve your financial health in 2022. Summary The coming year will continue to be challenging for many individuals, households and businesses.

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Year-end Financial Tips

7 quick actions you can take before year-end to improve your financial health next year. Summary Over the course of the year, we send out dozens of financial tips designed

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Retirement Tax Tip #3

Summary RRSP must convert to RRIF when annuitant turns 71 Minimum annual withdrawals from RRIF start when annuitant turns 72 Younger spouse’s age may be used to determine withdrawal prescribed

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Withdrawing from an RESP

Minimizing tax and maximizing flexibility when your student heads off to school. SUMMARY It’s that time of year again when high school graduates are off to post-secondary schools all across

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Tax-Free Income in Retirement

Summary Most income sources in retirement are taxed By timing the withdrawals from your RRSP/RRIF and deferring your CPP benefits, you can maximize the Guaranteed Income Supplement (GIS) GIS is

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Thoughts on where you should invest this RRSP season It’s been said that Canada has five seasons: Spring, Summer, Fall, Winter, and, wedged somewhere in between Winter and Spring, RRSP

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January Financial To-Do List

7 quick actions you can take this month to improve your financial health in 2021. 2021 will be a year of many challenges. While yesterday’s inauguration of Joe Biden as

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Market Volatility: What should you do?

The statistics are staggering. Historical single day losses. Historical single day gains. Multiple days of losses without more than a day’s reprieve. Markets down nearly 20% in under three weeks. Volatility

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Greed and Fear

Most investment decisions come down to two factors: greed and fear. This greed and fear are conditional in that they depend, largely, on what’s happening in the markets. When markets

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Responsible investment (RI), also called sustainable investment, involves investment decisions that avoid, reduce or eliminate the environmental, societal or governance (ESG) risks associated with a particular investment. For you as an

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Scott Boassaly



A former high school teacher and college Economics lecturer, Scott Boassaly has always valued education. This is further illustrated by his formal education. He holds a BA in History from Carleton University, a Bachelor of Education from The University of Ottawa, and an MBA from The University of Ottawa. This focus on education reveals itself in his approach to financial advice and in his commitment to offering free financial seminars to both adults and children. Celebrating his 20th anniversary as a wealth manager, Scott started his career at a large national firm where he quickly transitioned into management. Further industry experience was gained working with a reputable brokerage, then managing his own brokerage, Balance Financial, since 2019. Scott is the only certified responsible investment advisor in Ottawa and also holds the Real Wealth Manager designation.